Retirement Calculator

Find out how much money you may need on the day you retire, how much your savings could grow to by then, and what you could put away each month to close any gap. Results update as you type.

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Your name (optional)Shown on your results and your PDF

Nothing you type is saved or sent anywhere. Amounts are in rupees.

About you

Your age and how long you want the money to last.

Your age today Age you plan to retire Plan until agePlan for a long life; running short is the bigger risk

Your spending

What life costs you today, and how much of it continues after you retire.

Monthly household spending today (₹)Include everything except loan EMIs you will have finished by retirement Share of this spending needed after retirement (%)Many people need 70% to 100%. Medical costs often rise. Yearly price rise, inflation (%)

What you already have

Money you have already set aside for retirement, and pension you expect.

Retirement savings so far (₹)EPF, PPF, NPS, mutual funds and deposits meant for retirement Monthly pension or other income after retirement, in today's rupees (₹)For example pension, rent or part-time income Does that income rise with inflation?

Assumptions

These drive the answer. Try different values to see how much they matter.

Yearly return before retirement (%)On the mix of investments while you save Yearly return after retirement (%)Usually lower, as money moves to safer options Raise your monthly saving every year by (%)0 keeps the same amount every month Amount you can save each month now (₹, optional)Fill this to test whether your own plan is enough

Your results

In the window that opens, choose "Save as PDF" as the printer or destination.

How the answer changes

The same calculation under slightly different assumptions.

Year-by-year balance

How the calculation works

Spending at retirement. Your spending today is multiplied by the share you expect to need, then raised by inflation for every year until you retire. After you retire it keeps rising with inflation each year. Any pension or other income you enter is subtracted.

Money needed. We list the net amount you would withdraw every month from the day you retire until the age you plan for. Each monthly amount is brought back to your retirement day at the return you expect after retirement, and the total is the money needed. Withdrawals are taken at the start of each month.

What you will have. Your savings so far grow at the return you expect before retirement. The gap is the money needed minus this amount.

Monthly saving needed. The first-year monthly amount that, raised by your yearly step-up and invested at the start of each month, grows to exactly the gap by your retirement day. Yearly returns are converted to equivalent monthly returns, so 10% a year means 10% after twelve months.

Will it last? If you enter your own monthly saving, we grow it the same way and then take out your monthly spending until the money runs out or your plan age arrives.

For education only. This is not investment, tax or retirement advice. Results depend entirely on the assumptions you enter. Returns are not guaranteed, inflation and your spending will vary, and taxes are not considered. Please speak to a SEBI-registered investment adviser, Qualified Financial Planner or qualified tax consultant before making decisions.